Houston Belt & Terminal

HUMBLE, TX · 1 · Charter #6318 · www.hbtfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.7M
20th percentile
Members
589
20th percentile
Total loans
$2.9M
30th percentile
Total shares
$2.2M
16th percentile

Profitability

Return on assets
1.30%
72th percentile
Net interest margin
6.37%
97th percentile
Efficiency ratio
77.28%
29th percentile
Non-interest income ratio
16.95%
75th percentile

Capital & Risk

Net worth ratio
40.49%
97th percentile
Delinquency rate
6.08%
5th percentile
Net charge-off rate
0.20%
51th percentile
Loan-to-share
131.73%
99th percentile

Growth

Member growth YoY
-18.76%
2th percentile
Asset growth YoY
7.53%
86th percentile
Loan growth YoY
13.16%
92th percentile
Share growth YoY
10.83%
92th percentile

Operations

Members / branch
589
27th percentile
Assets / member
$6,362
26th percentile
Field of membership penetration
78.53%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Houston Belt & Terminal?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo